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Team Sales Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND RE at Kotak Mahindra Bank
Alwar, Rajasthan, India - Full Time
Skills Needed
Tractor Loan Sales, Team Leadership, Field Sales Management, Vehicle Finance, Business Development, Channel Partner Management, Productivity Management, Collections, Customer Engagement, Retail Finance, Branch Operations
Specialization
The ideal candidate should have hands-on experience in vehicle finance and proven team leadership capabilities. A bachelor's degree is required for this position.
Experience Required
Minimum 2 year(s)
Team Sales Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND RE at Kotak Mahindra Bank
, maharashtra, India - Full Time
Skills Needed
Team Leadership, Vehicle Finance, Sales Management, Channel Partner Management, Collections, Customer Engagement, Business Development, Field Sales Management
Specialization
Requires a Bachelor's degree and hands-on experience in vehicle finance and team leadership. Candidates must be driven and capable of managing direct sales teams and external partners.
Experience Required
Minimum 5 year(s)
Finance and Grants Officer, Malaria and Neglected Tropical Diseases (MNTD), at PATH (People Assisting the Homeless)
Yangon City, Yangon, Myanmar - Full Time
Skills Needed
Financial Management, Grants Management, Usaid Regulations, Budgeting, Compliance, Capacity Building, Accounting, Contract Administration, Financial Reporting, Risk Management, Procurement, Data Analysis, Project Management, Auditing, Advanced Excel, Communication
Specialization
Candidates must hold at least a bachelor's degree in business administration or accounting and possess over seven years of relevant financial and grants management experience. Extensive knowledge of USAID rules and regulations, along with experience in capacity building for sub-grantees, is required.
Experience Required
Minimum 5 year(s)
Manager - DSMG - Motor Finance - Collections - Flows - Bkt 1 to 3 (ST) - Lu at Tata Capital
, Uttar Pradesh, India - Full Time
Skills Needed
Collections Management, Team Leadership, Vendor Management, Audit Compliance, Customer Relationship Management, Repossession Management, Document Management, Performance Tracking
Specialization
The candidate must be a graduate. Experience in managing collection teams and handling motor finance recovery processes is required.
Experience Required
Minimum 5 year(s)
Finance BI Specialist - Executive Management - Decision Support - FT Days at University of California, Irvine
Irvine, California, United States - Full Time
Skills Needed
Financial Analysis, Operational Analysis, Oracle Cloud, Oracle Erp, Oracle Epm, Pbcs, Smartview, Enterprise Data Warehouse, Power Bi, Strata, Data Visualization, Report Automation, Budgeting, Capital Planning, Sql, Data Management
Specialization
Candidates must possess a bachelor's degree in a relevant field and at least 5 years of budgeting, analytical, and data management experience. Advanced expertise in Oracle Cloud, ERP systems, and Power BI is required to perform financial and operational analysis.
Experience Required
Minimum 5 year(s)
Collections Executive - Tractor and Crop Finance-Tractors and Farm Equipmen at Kotak Mahindra Bank
, maharashtra, India - Full Time
Skills Needed
Collections, Customer Negotiation, Portfolio Management, Audit Compliance, Financial Procedures, Communication, Problem Solving
Specialization
Candidates must hold a bachelor's degree and possess 1-3 years of relevant experience. Strong negotiation skills and a passion for collections are required to effectively manage customer accounts.
Relationship Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND at Kotak Mahindra Bank
Pune, maharashtra, India - Full Time
Skills Needed
Retail Sales, Tractor Finance, Crop Finance, Relationship Management, Deposit Mobilization, Cross Selling, Customer Service, Branch Administration, Retail Liabilities, Financial Instruments, Leadership, Agricultural Finance
Specialization
The ideal candidate should have a strong background in retail liabilities and a deep understanding of financial instruments. Excellent leadership skills and experience in customer service cycles are required for this role.
Experience Required
Minimum 2 year(s)
Consultant - Business Consulting PI - TMT - CNS - BC - FINANCE - Bangalore at EY
, karnataka, India - Full Time
Skills Needed
Financial Analysis, Financial Modeling, Business Consulting, Performance Improvement, Strategic Planning, Data Analysis, Business Transformation, Operational Excellence, Risk Management, Portfolio Management, Program Management, Financial Forecasting, Cross Functional Collaboration, Industry Trend Analysis
Specialization
Candidates must hold a Bachelor's degree in Commerce, Business Administration, or Computer Science, or an MBA. The role requires 0 to 3 years of experience in business consulting and strong proficiency in financial modeling and analysis.
Consultant - Business Consulting PI - TMT - CNS - BC - FINANCE - Bangalore at EY
, karnataka, India - Full Time
Skills Needed
Financial Analysis, Financial Modeling, Business Transformation, Performance Improvement, Strategic Planning, Data Analysis, Operational Excellence, Program Management, Portfolio Management, Finance Consulting, Supply Chain Management, Business Strategy, Risk Management, Cross Functional Collaboration, Financial Forecasting
Specialization
Candidates must hold a Bachelor's or Master's degree in Commerce, Business Administration, or Computer Science. The role requires 0 to 3 years of experience in business consulting and strong proficiency in financial modeling and industry trend analysis.
Relationship Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND at Kotak Mahindra Bank
, maharashtra, India - Full Time
Skills Needed
Retail Sales, Relationship Management, Tractor Finance, Crop Finance, Retail Liabilities, Cross Selling, Customer Service, Branch Administration, Financial Instruments
Specialization
Candidates should possess a strong background in retail liabilities and a deep understanding of financial instruments. Excellent leadership skills and a commitment to high-quality customer service cycles are required.
Experience Required
Minimum 2 year(s)
IN-Senior Associate|Oracle fusion finance functional| Enterprise Apps-Oracl at pwc
Kolkata, west bengal, India - Full Time
Skills Needed
Oracle Fusion Finance, General Ledger, Accounts Payable, Accounts Receivable, Fixed Assets, Lease Accounting, Tax Management, Cash Management, Erp Implementation, Financial Systems, Business Process Improvement, Oracle Financials, Ms Excel, Ams Support, Financial Reporting, Technology Consulting
Specialization
Candidates must have a minimum of 7 years of experience in Oracle Fusion ERP with at least two full-cycle implementations. A degree in Engineering, Technology, or Business Administration is required, along with proficiency in core finance modules like GL, AP, AR, and FA.
Experience Required
Minimum 5 year(s)
Administrative Assistant II - Budget - Business and Finance Division (04135 at Texas Department of Criminal Justice
Huntsville, Texas, United States - Full Time
Skills Needed
Administrative Support, Data Entry, Record Keeping, Budgeting, Accounting, Microsoft Office Suite, Report Preparation, Technical Assistance, Business Terminology, Arithmetic Calculations, Communication, Filing Systems, Document Editing, Policy Interpretation, Customer Service
Specialization
Requires a high school diploma or GED and at least one year of experience in clerical, administrative, or technical support. Proficiency in Microsoft Office Suite and experience with numerical detail or accounting work is preferred.
Functional-Technical Consultant D365 Finance & Supply Chain Management at CENTOGENE AG
Valencia, Valencian Community, Spain - Full Time
Skills Needed
D365 Finance, D365 Supply Chain Management, X++, Power Platform, Intercompany Processes, Requirements Analysis, Data Migration, Functional Configuration, Technical Customization, L2 Support, Project Coordination, English Fluency
Specialization
Requires proven experience in at least two full D365 F&SCM implementations with deep knowledge of Finance and SCM modules. Candidates must possess technical skills in X++ or Power Platform and be fluent in English.
Experience Required
Minimum 2 year(s)
Area Manager - DSMG - Motor Finance - Collections - Flows - Bkt 4+ GNPA - B at Tata Capital
Bengaluru, karnataka, India - Full Time
Skills Needed
Collections, Motor Finance, Debt Recovery, Gnpa Management, Portfolio Management
Specialization
Experience in motor finance collections and managing non-performing assets (GNPA). Ability to operate as an Area Manager within a structured financial environment.
Experience Required
Minimum 5 year(s)
IN_Bosch Rexroth India_ Assistant Manager / Deputy Manager – Finance Contro at Bosch Group
Sanand, gujarat, India - Full Time
Skills Needed
Budgeting, Forecasting, Variance Analysis, Cost Controlling, Capital Budgeting, Financial Modeling, Management Reporting, Internal Controls, Business Partnership, Erp Systems, Sap Co Pa, Power Bi, Tableau, Ms Excel, Financial Governance, Risk Management
Specialization
Requires a degree in Finance, Accounting, or Commerce, with CA/CMA qualifications strongly preferred. Candidates need 5-8 years of experience in controlling or corporate finance, with proficiency in SAP CO-PA and financial visualization tools.
Experience Required
Minimum 5 year(s)
Automotive Finance Manager – Veero Ford & Chrysler Dodge Jeep Ram of Morris at Mountaineer Cleaning & Maintenance
Maple Grove, Minnesota, United States - Full Time
Skills Needed
Automotive Finance, Lender Relations, Compliance, Deal Structuring, Dealertrack Dms, Routeone, Customer Experience, Profitability Management, Funding Discipline, Protection Product Sales
Specialization
Requires a strong understanding of lender programs, compliance, and experience with Dealertrack or RouteOne. A valid driver's license and the ability to commute to Morris, MN are mandatory.
Experience Required
Minimum 2 year(s)
Automotive Finance Manager – Veero Ford & Chrysler Dodge Jeep Ram of Morris at Mountaineer Cleaning & Maintenance
Watertown, South Dakota, United States - Full Time
Skills Needed
Automotive Finance, Lender Relations, Compliance, Deal Structuring, Dealertrack Dms, Routeone, Customer Experience, Funding Discipline
Specialization
Requires a strong understanding of lender programs, compliance, and experience with Dealertrack or RouteOne. A valid driver's license and the ability to commute to Morris, MN are mandatory.
Experience Required
Minimum 2 year(s)
Automotive Finance Manager – Veero Ford & Chrysler Dodge Jeep Ram of Morris at Mountaineer Cleaning & Maintenance
Joliet, Illinois, United States - Full Time
Skills Needed
Automotive Finance, Lender Relations, Compliance, Deal Structuring, Dealertrack Dms, Routeone, Customer Experience, Profitability Management
Specialization
Requires a strong understanding of lender programs, compliance, and experience with Dealertrack or RouteOne. A valid driver's license and the ability to commute to Morris, MN are mandatory.
Experience Required
Minimum 2 year(s)
Consultant - Business Consulting PI - TMT - CNS - BC - FINANCE - Bangalore at EY
, karnataka, India - Full Time
Skills Needed
Financial Analysis, Financial Modeling, Business Transformation, Performance Improvement, Strategic Planning, Data Analysis, Operational Excellence, Risk Management, M&A Strategy, Cross Functional Collaboration, Problem Solving, Business Consulting, Forecasting, Financial Regulations
Specialization
Candidates must hold a Bachelor's degree in Commerce, Business Administration, or Computer Science, or an MBA. The role requires 0 to 3 years of experience in business consulting and strong proficiency in financial modeling and analysis.
MI Analyst | Trade and Commodity Finance Operations SBU | February 2026 at Job Opportunities | MCB Group
Port Louis, Port Louis, Mauritius - Full Time
Skills Needed
Data Analysis, Power Bi, Sql, Python, Advanced Excel, Cognos, Business Process Improvement, Kpi Development, Regulatory Reporting, Financial Analysis, Market Trend Analysis, Data Validation
Specialization
Candidates need a degree or diploma in a quantitative field such as Mathematics, Statistics, or Computer Science. A minimum of 5 to 7 years of experience in Finance/Business Analysis within the banking or financial industry is required.
Experience Required
Minimum 5 year(s)
Team Sales Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND RE at Kotak Mahindra Bank
Alwar, Rajasthan, India -
Full Time

Start Date

Immediate

Expiry Date

07 Jul, 26

Salary

0.0

Posted On

08 Apr, 26

Experience

2 year(s) or above

Remote Job

Yes

Telecommute

Yes

Sponsor Visa

No

Skills

Tractor Loan Sales, Team Leadership, Field Sales Management, Vehicle Finance, Business Development, Channel Partner Management, Productivity Management, Collections, Customer Engagement, Retail Finance, Branch Operations

Industry

Banking

Description
We are looking for a driven and experienced Team Sales Manager to lead tractor loan sales through direct teams, brokers, and dealers. The role involves managing a team of field sales executives, driving business volumes, and maintaining strong relationships with channel partners. The ideal candidate will have hands-on experience in vehicle finance and team leadership, with a focus on productivity, collections, and customer engagement.
Responsibilities
The Team Sales Manager will lead field sales executives to drive tractor loan volumes through direct teams, brokers, and dealers. The role also involves managing branch operations, ensuring productivity, and maintaining strong relationships with channel partners.
Team Sales Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND RE at Kotak Mahindra Bank
Alwar, Rajasthan, India - Full Time
Skills Needed
Tractor Loan Sales, Team Leadership, Field Sales Management, Vehicle Finance, Business Development, Channel Partner Management, Productivity Management, Collections, Customer Engagement, Retail Finance, Branch Operations
Specialization
The ideal candidate should have hands-on experience in vehicle finance and proven team leadership capabilities. A bachelor's degree is required for this position.
Experience Required
Minimum 2 year(s)
Team Sales Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND RE at Kotak Mahindra Bank
, maharashtra, India - Full Time
Skills Needed
Team Leadership, Vehicle Finance, Sales Management, Channel Partner Management, Collections, Customer Engagement, Business Development, Field Sales Management
Specialization
Requires a Bachelor's degree and hands-on experience in vehicle finance and team leadership. Candidates must be driven and capable of managing direct sales teams and external partners.
Experience Required
Minimum 5 year(s)
Finance and Grants Officer, Malaria and Neglected Tropical Diseases (MNTD), at PATH (People Assisting the Homeless)
Yangon City, Yangon, Myanmar - Full Time
Skills Needed
Financial Management, Grants Management, Usaid Regulations, Budgeting, Compliance, Capacity Building, Accounting, Contract Administration, Financial Reporting, Risk Management, Procurement, Data Analysis, Project Management, Auditing, Advanced Excel, Communication
Specialization
Candidates must hold at least a bachelor's degree in business administration or accounting and possess over seven years of relevant financial and grants management experience. Extensive knowledge of USAID rules and regulations, along with experience in capacity building for sub-grantees, is required.
Experience Required
Minimum 5 year(s)
Manager - DSMG - Motor Finance - Collections - Flows - Bkt 1 to 3 (ST) - Lu at Tata Capital
, Uttar Pradesh, India - Full Time
Skills Needed
Collections Management, Team Leadership, Vendor Management, Audit Compliance, Customer Relationship Management, Repossession Management, Document Management, Performance Tracking
Specialization
The candidate must be a graduate. Experience in managing collection teams and handling motor finance recovery processes is required.
Experience Required
Minimum 5 year(s)
Finance BI Specialist - Executive Management - Decision Support - FT Days at University of California, Irvine
Irvine, California, United States - Full Time
Skills Needed
Financial Analysis, Operational Analysis, Oracle Cloud, Oracle Erp, Oracle Epm, Pbcs, Smartview, Enterprise Data Warehouse, Power Bi, Strata, Data Visualization, Report Automation, Budgeting, Capital Planning, Sql, Data Management
Specialization
Candidates must possess a bachelor's degree in a relevant field and at least 5 years of budgeting, analytical, and data management experience. Advanced expertise in Oracle Cloud, ERP systems, and Power BI is required to perform financial and operational analysis.
Experience Required
Minimum 5 year(s)
Collections Executive - Tractor and Crop Finance-Tractors and Farm Equipmen at Kotak Mahindra Bank
, maharashtra, India - Full Time
Skills Needed
Collections, Customer Negotiation, Portfolio Management, Audit Compliance, Financial Procedures, Communication, Problem Solving
Specialization
Candidates must hold a bachelor's degree and possess 1-3 years of relevant experience. Strong negotiation skills and a passion for collections are required to effectively manage customer accounts.
Relationship Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND at Kotak Mahindra Bank
Pune, maharashtra, India - Full Time
Skills Needed
Retail Sales, Tractor Finance, Crop Finance, Relationship Management, Deposit Mobilization, Cross Selling, Customer Service, Branch Administration, Retail Liabilities, Financial Instruments, Leadership, Agricultural Finance
Specialization
The ideal candidate should have a strong background in retail liabilities and a deep understanding of financial instruments. Excellent leadership skills and experience in customer service cycles are required for this role.
Experience Required
Minimum 2 year(s)
Consultant - Business Consulting PI - TMT - CNS - BC - FINANCE - Bangalore at EY
, karnataka, India - Full Time
Skills Needed
Financial Analysis, Financial Modeling, Business Consulting, Performance Improvement, Strategic Planning, Data Analysis, Business Transformation, Operational Excellence, Risk Management, Portfolio Management, Program Management, Financial Forecasting, Cross Functional Collaboration, Industry Trend Analysis
Specialization
Candidates must hold a Bachelor's degree in Commerce, Business Administration, or Computer Science, or an MBA. The role requires 0 to 3 years of experience in business consulting and strong proficiency in financial modeling and analysis.
Consultant - Business Consulting PI - TMT - CNS - BC - FINANCE - Bangalore at EY
, karnataka, India - Full Time
Skills Needed
Financial Analysis, Financial Modeling, Business Transformation, Performance Improvement, Strategic Planning, Data Analysis, Operational Excellence, Program Management, Portfolio Management, Finance Consulting, Supply Chain Management, Business Strategy, Risk Management, Cross Functional Collaboration, Financial Forecasting
Specialization
Candidates must hold a Bachelor's or Master's degree in Commerce, Business Administration, or Computer Science. The role requires 0 to 3 years of experience in business consulting and strong proficiency in financial modeling and industry trend analysis.
Relationship Manager - Tractor and Crop Finance-AGRI-FIN-TRACTOR LOANS AND at Kotak Mahindra Bank
, maharashtra, India - Full Time
Skills Needed
Retail Sales, Relationship Management, Tractor Finance, Crop Finance, Retail Liabilities, Cross Selling, Customer Service, Branch Administration, Financial Instruments
Specialization
Candidates should possess a strong background in retail liabilities and a deep understanding of financial instruments. Excellent leadership skills and a commitment to high-quality customer service cycles are required.
Experience Required
Minimum 2 year(s)
IN-Senior Associate|Oracle fusion finance functional| Enterprise Apps-Oracl at pwc
Kolkata, west bengal, India - Full Time
Skills Needed
Oracle Fusion Finance, General Ledger, Accounts Payable, Accounts Receivable, Fixed Assets, Lease Accounting, Tax Management, Cash Management, Erp Implementation, Financial Systems, Business Process Improvement, Oracle Financials, Ms Excel, Ams Support, Financial Reporting, Technology Consulting
Specialization
Candidates must have a minimum of 7 years of experience in Oracle Fusion ERP with at least two full-cycle implementations. A degree in Engineering, Technology, or Business Administration is required, along with proficiency in core finance modules like GL, AP, AR, and FA.
Experience Required
Minimum 5 year(s)
Administrative Assistant II - Budget - Business and Finance Division (04135 at Texas Department of Criminal Justice
Huntsville, Texas, United States - Full Time
Skills Needed
Administrative Support, Data Entry, Record Keeping, Budgeting, Accounting, Microsoft Office Suite, Report Preparation, Technical Assistance, Business Terminology, Arithmetic Calculations, Communication, Filing Systems, Document Editing, Policy Interpretation, Customer Service
Specialization
Requires a high school diploma or GED and at least one year of experience in clerical, administrative, or technical support. Proficiency in Microsoft Office Suite and experience with numerical detail or accounting work is preferred.
Functional-Technical Consultant D365 Finance & Supply Chain Management at CENTOGENE AG
Valencia, Valencian Community, Spain - Full Time
Skills Needed
D365 Finance, D365 Supply Chain Management, X++, Power Platform, Intercompany Processes, Requirements Analysis, Data Migration, Functional Configuration, Technical Customization, L2 Support, Project Coordination, English Fluency
Specialization
Requires proven experience in at least two full D365 F&SCM implementations with deep knowledge of Finance and SCM modules. Candidates must possess technical skills in X++ or Power Platform and be fluent in English.
Experience Required
Minimum 2 year(s)
Area Manager - DSMG - Motor Finance - Collections - Flows - Bkt 4+ GNPA - B at Tata Capital
Bengaluru, karnataka, India - Full Time
Skills Needed
Collections, Motor Finance, Debt Recovery, Gnpa Management, Portfolio Management
Specialization
Experience in motor finance collections and managing non-performing assets (GNPA). Ability to operate as an Area Manager within a structured financial environment.
Experience Required
Minimum 5 year(s)
IN_Bosch Rexroth India_ Assistant Manager / Deputy Manager – Finance Contro at Bosch Group
Sanand, gujarat, India - Full Time
Skills Needed
Budgeting, Forecasting, Variance Analysis, Cost Controlling, Capital Budgeting, Financial Modeling, Management Reporting, Internal Controls, Business Partnership, Erp Systems, Sap Co Pa, Power Bi, Tableau, Ms Excel, Financial Governance, Risk Management
Specialization
Requires a degree in Finance, Accounting, or Commerce, with CA/CMA qualifications strongly preferred. Candidates need 5-8 years of experience in controlling or corporate finance, with proficiency in SAP CO-PA and financial visualization tools.
Experience Required
Minimum 5 year(s)
Automotive Finance Manager – Veero Ford & Chrysler Dodge Jeep Ram of Morris at Mountaineer Cleaning & Maintenance
Maple Grove, Minnesota, United States - Full Time
Skills Needed
Automotive Finance, Lender Relations, Compliance, Deal Structuring, Dealertrack Dms, Routeone, Customer Experience, Profitability Management, Funding Discipline, Protection Product Sales
Specialization
Requires a strong understanding of lender programs, compliance, and experience with Dealertrack or RouteOne. A valid driver's license and the ability to commute to Morris, MN are mandatory.
Experience Required
Minimum 2 year(s)
Automotive Finance Manager – Veero Ford & Chrysler Dodge Jeep Ram of Morris at Mountaineer Cleaning & Maintenance
Watertown, South Dakota, United States - Full Time
Skills Needed
Automotive Finance, Lender Relations, Compliance, Deal Structuring, Dealertrack Dms, Routeone, Customer Experience, Funding Discipline
Specialization
Requires a strong understanding of lender programs, compliance, and experience with Dealertrack or RouteOne. A valid driver's license and the ability to commute to Morris, MN are mandatory.
Experience Required
Minimum 2 year(s)
Automotive Finance Manager – Veero Ford & Chrysler Dodge Jeep Ram of Morris at Mountaineer Cleaning & Maintenance
Joliet, Illinois, United States - Full Time
Skills Needed
Automotive Finance, Lender Relations, Compliance, Deal Structuring, Dealertrack Dms, Routeone, Customer Experience, Profitability Management
Specialization
Requires a strong understanding of lender programs, compliance, and experience with Dealertrack or RouteOne. A valid driver's license and the ability to commute to Morris, MN are mandatory.
Experience Required
Minimum 2 year(s)
Consultant - Business Consulting PI - TMT - CNS - BC - FINANCE - Bangalore at EY
, karnataka, India - Full Time
Skills Needed
Financial Analysis, Financial Modeling, Business Transformation, Performance Improvement, Strategic Planning, Data Analysis, Operational Excellence, Risk Management, M&A Strategy, Cross Functional Collaboration, Problem Solving, Business Consulting, Forecasting, Financial Regulations
Specialization
Candidates must hold a Bachelor's degree in Commerce, Business Administration, or Computer Science, or an MBA. The role requires 0 to 3 years of experience in business consulting and strong proficiency in financial modeling and analysis.
MI Analyst | Trade and Commodity Finance Operations SBU | February 2026 at Job Opportunities | MCB Group
Port Louis, Port Louis, Mauritius - Full Time
Skills Needed
Data Analysis, Power Bi, Sql, Python, Advanced Excel, Cognos, Business Process Improvement, Kpi Development, Regulatory Reporting, Financial Analysis, Market Trend Analysis, Data Validation
Specialization
Candidates need a degree or diploma in a quantitative field such as Mathematics, Statistics, or Computer Science. A minimum of 5 to 7 years of experience in Finance/Business Analysis within the banking or financial industry is required.
Experience Required
Minimum 5 year(s)